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I am with Bow Wow Meow and love them. Quick, great customer service and fulfill the claims easily. I was with Pet Plan for a while and they would never pay out a claim, always tried to make it "preexisting" to something silly and unrelated. Bow Wow Meow always pays out my claim straightforward unless there is a real preexisting condition So I would just not recommend Pet Plan here (they are great over in the UK from what I hear, but it's just different here.

We decided just to start a Jessie fund instead. I found that most of the insurers, apart from Medibank Private, all stem from the same provider which have the basic umbrella terms. None I found covered dental or as brooky's mum said, try to withhold claims on the basis that it's pre - existing. The few I contacted, won't cover hips or knees either. We thought it was better to just pop a lump sum into an account, and just add $100 per month to it, as a just in case fund, should we ever need to draw on it. If you read the disclosure statements, I think the fair majority only cover dogs up to 8 years of age, after that your not covered.

Thanks guys....its sooo hard to make a decision..cant believe how hard it is.....ill look into your ideas......i know with me i need insurance, then i know i have to pay it.
Just dont want to pick the wrong one.

I did a LOT of research into this (oh the amount of product disclosure statements I read!). What I found was that the majority of insurers cover the same things for accident and illness. Unfortunately I don't think there are any that cover 100% anymore, most do 75-80%. Having filled in a lot of online quotes, a cheap price for accident and illness cover for a Cav is $30-35, a reasonable price is $35-$45 and anything beyond $45 per month is too expensive. Getting the "full" cover in most cases is pointless because it tends to only cover $50-$100 of general care per year (vaccinations, checkups etc) on top of accident and illness cover. This, in most cases, is less than the difference per year between accident/illness and full cover.